Allegany County property record for 232 E Mary St, Cumberland, MD 21502
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,104 sqft · built 1967 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $178,000 (Jul 2024) |
| Tax Bill | $1,081 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-036530 |
| Primary APN | 04-036530 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,104 sqft Total Area |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Garage Type | Mixed |
| Garage Area | 616 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 108 sqft |
| Deck Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 036530 |
|---|---|
| Street Address | 232 E MARY ST |
| City | CUMBERLAND |
| State | MD |
| Zip | 21502-4726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 232 E MARY ST LOTS 404-405 60X125 |
| Legal Subdivision | HUMBIRD LAND & IMPROV CO |
| Legal Lot Number | 404,405 |
| Jurisdiction | ALLEGANY MD |
| Township / Civil Division | 4, CUMBERLAND |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 800 |
232 E Mary St is owned and occupied by two individuals who bought it in July 2024.
Source: Allegany County records, as of October 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 E MARY ST, CUMBERLAND, MD 21502-4726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2024 · Amount on File |
| Deed Sale | Jul 30, 2024 · Amount on File |
| Prior Sale | Jul 1, 1993 · Amount on File |
| Deed Book / Page | 2986 / 7 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ALLEGANY MD |
| Property Address | 232 E MARY ST, CUMBERLAND, MD 21502-4726 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 232 E MARY ST, CUMBERLAND, MD 21502-4726 |
| Document Number | 002773-0117 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 2773/117 |
| Name | STANDARD BANK |
|---|---|
| Type | Bank |
| Address | MONROEVILLE, PA 15146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2025 property tax bill for 232 E Mary St was $1,081.
Source: Allegany County assessment roll, as of October 1, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Allegany County |
| Municipality | Cumberland City |
| Unified School District | Allegany County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $129,900 Land $12,300 Building $117,600 | $129,900 Land $12,300 Building $117,600 | |
| 2025 | $1,081.00 | ||
| 2023 | $875.00 Homeowner's exemption | $94,100 Land $12,300 Building $81,800 | $94,100 Land $12,300 Building $81,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 E Mary St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 4 (1985–1996) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Jan 1996 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 232 E Mary St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CUMBERLAND serves 27,039 people · EPA ID MD0010008 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Fiber · Cable in parts of the area | 1,000 / 1,000 |
| SkyPacket Fixed Wireless | 100 / 20 |
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